My primary financial goal is what I call financial independence. Naturally, one key part of achieving this is to reduce my expenses as much as possible. So, how do we do that without making life miserable?
Gift-giving can be an expensive proposition. Most of the ideas that tend to pop into people’s minds when it comes to exchanging gifts are expensive ones – or, at least ones that add up to a lot if you have to buy many of them.
There’s a much better solution to all of this than heroic budgeting. Rather than simply forcing myself into that kind of tight budget, I wish I had taken a different three step approach during my honeymoon phase of personal finance recovery.